- Investing.com
Pagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial services, their customers, and institutional or sophisticated investors in the United States, Israel, and the Cayman Islands. The company offers Decline Monetization, the flagship product which allows Partners to automatically send rejected loan applications to its network, as well as approve customers they would otherwise decline; Dual Look which allows to assess applications concurrently with its Partners in real time; and First Look that routes designated segments of loan applications to the network for evaluation.It also provides Affiliate Optimizer Engine, a customer acquisition tool which enables Partners to originate loans through third-party affiliate channels; Direct Marketing Engine, that utilizes data network to help Partners target and acquire new customers through direct channels; and FastPass which accelerates the transaction process. Its partners include financial technology companies, incumbent banks and financial institutions, auto finance providers, and residential real estate service providers. The company was founded in 2016 and is headquartered in New York, New York.
Challenges Ahead | Explore Pagaya's navigation of credit risks, approval rate constraints, and market competition as it strives for sustained growth and profitability |
Financial Trajectory | Analysts project revenue CAGR of 20% over three years, with price targets ranging from $25 to $35, reflecting optimism about Pagaya's profitability |
Expanding Horizons | Discover Pagaya's diversification into auto and point-of-sale lending, with partnerships like Klarna driving significant growth potential |
AI-Driven Fintech | Pagaya Technologies leverages AI for innovative lending solutions, showcasing strong financial performance and strategic partnerships in a competitive landscape |
Metrics to compare | PGY | Sector Sector - Average of metrics from a broad group of related Technology sector companies | Relationship RelationshipPGYPeersSector | |
|---|---|---|---|---|
P/E Ratio | 15.2x | −9.5x | 12.9x | |
PEG Ratio | 0.13 | −0.22 | 0.01 | |
Price / Book | 2.4x | 2.2x | 2.4x | |
Price / LTM Sales | 0.9x | 2.5x | 2.4x | |
Upside (Analyst Target) | 92.9% | 44.0% | 25.5% | |
Fair Value Upside | Unlock | 0.5% | 2.4% | Unlock |